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CLOVER HEALTH INVESTMENTS, CORP.（CLOV）与Oscar Health, Inc.（OSCR）财务数据对比。点击上方公司名可切换其他公司
CLOVER HEALTH INVESTMENTS, CORP.的季度营收约是Oscar Health, Inc.的54.4倍（$487.7M vs $9.0M）。CLOVER HEALTH INVESTMENTS, CORP.净利率更高（-10.1% vs -3933.2%，领先3923.1%）。Oscar Health, Inc.同比增速更快（86.3% vs 44.7%）。Oscar Health, Inc.自由现金流更多（$662.8M vs $-68.7M）。过去两年Oscar Health, Inc.的营收复合增速更高（26.1% vs 18.6%）
克利弗健康投资公司是2014年成立的美国医疗保健企业，主营联邦医疗保险优势计划保险产品，是与美国政府直接签约合作的机构。目前公司为美国11个州的联邦医疗保险参保人提供健康管理服务，并已于2021年1月8日公开上市。
奥斯卡健康（Oscar Health, Inc.）是美国营利性健康保险公司，2012年由约书亚·库什纳、凯文·纳泽米与马里奥·施洛瑟联合创立，总部设于纽约市。公司深耕健康保险领域，依托远程医疗、医疗专属技术界面及透明的理赔定价体系，帮助患者更便捷地享受医疗相关服务。
CLOV vs OSCR — 直观对比
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $487.7M | $9.0M |
| 净利润 | $-49.3M | $-352.6M |
| 毛利率 | — | — |
| 营业利润率 | -10.1% | -3722.8% |
| 净利率 | -10.1% | -3933.2% |
| 营收同比 | 44.7% | 86.3% |
| 净利润同比 | -123.2% | -129.6% |
| 每股收益（稀释后） | — | $-1.19 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
| Q4 25 | $487.7M | $9.0M | ||
| Q3 25 | $496.6M | $8.8M | ||
| Q2 25 | $477.6M | $6.5M | ||
| Q1 25 | $462.3M | $4.3M | ||
| Q4 24 | $337.0M | $4.8M | ||
| Q3 24 | $331.0M | $4.9M | ||
| Q2 24 | $356.3M | $5.2M | ||
| Q1 24 | $346.9M | $5.6M |
| Q4 25 | $-49.3M | $-352.6M | ||
| Q3 25 | $-24.4M | $-137.4M | ||
| Q2 25 | $-10.6M | $-228.4M | ||
| Q1 25 | $-1.3M | $275.3M | ||
| Q4 24 | $-22.1M | $-153.5M | ||
| Q3 24 | $-9.2M | $-54.6M | ||
| Q2 24 | $7.4M | $56.2M | ||
| Q1 24 | $-19.2M | $177.4M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 24.5% | — | ||
| Q2 24 | 30.3% | — | ||
| Q1 24 | 23.6% | — |
| Q4 25 | -10.1% | -3722.8% | ||
| Q3 25 | -4.9% | -1468.6% | ||
| Q2 25 | -2.2% | -3547.5% | ||
| Q1 25 | -0.3% | — | ||
| Q4 24 | -6.4% | -3070.1% | ||
| Q3 24 | -2.7% | -987.4% | ||
| Q2 24 | 2.0% | — | ||
| Q1 24 | -6.5% | — |
| Q4 25 | -10.1% | -3933.2% | ||
| Q3 25 | -4.9% | -1561.8% | ||
| Q2 25 | -2.2% | -3514.9% | ||
| Q1 25 | -0.3% | 6357.3% | ||
| Q4 24 | -6.6% | -3190.9% | ||
| Q3 24 | -2.8% | -1114.4% | ||
| Q2 24 | 2.1% | 1074.5% | ||
| Q1 24 | -5.5% | 3148.2% |
| Q4 25 | — | $-1.19 | ||
| Q3 25 | — | $-0.53 | ||
| Q2 25 | — | $-0.89 | ||
| Q1 25 | — | $0.92 | ||
| Q4 24 | — | $-0.50 | ||
| Q3 24 | — | $-0.22 | ||
| Q2 24 | — | $0.20 | ||
| Q1 24 | — | $0.62 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $78.3M | $2.8B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $308.7M | $977.6M |
| 总资产 | $541.0M | $6.3B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
| Q4 25 | $78.3M | $2.8B | ||
| Q3 25 | — | $2.1B | ||
| Q2 25 | — | $2.6B | ||
| Q1 25 | — | $2.2B | ||
| Q4 24 | $194.5M | $2.2B | ||
| Q3 24 | $288.0M | $1.2B | ||
| Q2 24 | $254.8M | $2.3B | ||
| Q1 24 | $208.3M | $2.2B |
| Q4 25 | $308.7M | $977.6M | ||
| Q3 25 | $340.9M | $1.0B | ||
| Q2 25 | $344.2M | $1.2B | ||
| Q1 25 | $336.1M | $1.3B | ||
| Q4 24 | $341.1M | $1.0B | ||
| Q3 24 | $342.2M | $1.2B | ||
| Q2 24 | $324.9M | $1.1B | ||
| Q1 24 | $292.5M | $1.0B |
| Q4 25 | $541.0M | $6.3B | ||
| Q3 25 | $559.7M | $5.7B | ||
| Q2 25 | $575.0M | $6.4B | ||
| Q1 25 | $583.7M | $5.8B | ||
| Q4 24 | $580.7M | $4.8B | ||
| Q3 24 | $653.0M | $4.5B | ||
| Q2 24 | $674.2M | $5.0B | ||
| Q1 24 | $671.8M | $4.4B |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $-68.2M | $671.9M |
| 自由现金流经营现金流 - 资本支出 | $-68.7M | $662.8M |
| 自由现金流率自由现金流/营收 | -14.1% | 7393.7% |
| 资本支出强度资本支出/营收 | 0.1% | 101.1% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | $-69.0M | $1.1B |
8季度趋势，按日历期对齐
| Q4 25 | $-68.2M | $671.9M | ||
| Q3 25 | $12.1M | $-964.7M | ||
| Q2 25 | $5.4M | $509.1M | ||
| Q1 25 | $-16.3M | $878.5M | ||
| Q4 24 | $-85.8M | $346.8M | ||
| Q3 24 | $50.0M | $-500.1M | ||
| Q2 24 | $44.8M | $497.2M | ||
| Q1 24 | $25.9M | $634.4M |
| Q4 25 | $-68.7M | $662.8M | ||
| Q3 25 | $11.4M | $-973.7M | ||
| Q2 25 | $4.8M | $499.8M | ||
| Q1 25 | $-16.5M | $869.5M | ||
| Q4 24 | $-86.1M | $340.0M | ||
| Q3 24 | $49.6M | $-507.7M | ||
| Q2 24 | $44.4M | $489.6M | ||
| Q1 24 | $25.5M | $628.4M |
| Q4 25 | -14.1% | 7393.7% | ||
| Q3 25 | 2.3% | -11063.1% | ||
| Q2 25 | 1.0% | 7692.6% | ||
| Q1 25 | -3.6% | 20081.2% | ||
| Q4 24 | -25.6% | 7065.7% | ||
| Q3 24 | 15.0% | -10363.5% | ||
| Q2 24 | 12.5% | 9359.4% | ||
| Q1 24 | 7.3% | 11153.9% |
| Q4 25 | 0.1% | 101.1% | ||
| Q3 25 | 0.1% | 102.3% | ||
| Q2 25 | 0.1% | 142.8% | ||
| Q1 25 | 0.0% | 208.5% | ||
| Q4 24 | 0.1% | 141.7% | ||
| Q3 24 | 0.1% | 154.4% | ||
| Q2 24 | 0.1% | 144.6% | ||
| Q1 24 | 0.1% | 105.6% |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 3.19× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | 6.04× | 8.85× | ||
| Q1 24 | — | 3.58× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
